PIP and the 14 Day Rule

The Law:

(a) Medical benefits.—Eighty percent of all reasonable expenses for medically necessary medical, surgical, X-ray, dental, and rehabilitative services, including prosthetic devices and medically necessary ambulance, hospital, and nursing services if the individual receives initial services and care pursuant to subparagraph 1. within 14 days after the motor vehicle accident.

My Interpretation of the Law:

  • The patient needs to be seen by any one within 14 days. They can see:
  • A chiropractor (100% true)
  • A medical doctor
  • A hospital
  • An urgent care center
  • An ambulance/EMT on scene even if the patient doesn’t go in the ambulance
  • A dentist
  • A facility owned by a hospital


Even if a patient is seen by an EMT/ambulance for blood pressure/concussion then that will cover the 14 day rule. There is no rule that the ambulance must bill for the procedure.

ATTENTION CHIROPRACTORS: DO NOT SEND THE PATIENT TO THE HOSPITAL/URGENT CARE IF YOUR ONLY REASON IS THAT THEY NEED TO SEE AN MD, DO, PA WITHIN 14 DAYS! THE RULE SAYS THAT THEY GET PIP BENEFITS IF THEY SEE A CHIROPRACTOR WITHIN 14 DAYS.

YOU DO NOT NEED AN EMERGENCY MEDICAL CONDITION OPINION WITHIN 14 DAYS.

THERE IS NO TIME LIMIT TO GET THE EMERGENCY MEDICAL CONDITION OPINION.

YOU CAN GET THE EMERGENCY MEDICAL CONDITION OPINION AT ANY TIME!


The 14 day rule is the first big problem that injury victims will need to overcome with this new anti-consumer law. This new PIP law is This is completely unfair for Florida’s citizens because the injured person had to pay their PIP insurance every month/year and they don’t get a check back if they don’t use their benefits.

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